The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,927
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,236
−HK$314/mo
Today · 4.125%
HK$10,550
baseline
▲ 0.50% · 4.625%
HK$11,192
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,100/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,044
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,340
−HK$301/mo
Today · 4.125%
HK$11,641
baseline
▲ 0.50% · 4.625%
HK$12,254
+HK$613/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,282/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,913
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,283
−HK$377/mo
Today · 4.125%
HK$12,660
baseline
▲ 0.50% · 4.625%
HK$13,430
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,320/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,253
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,608
−HK$361/mo
Today · 4.125%
HK$13,969
baseline
▲ 0.50% · 4.625%
HK$14,705
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,938/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,898
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,330
−HK$440/mo
Today · 4.125%
HK$14,770
baseline
▲ 0.50% · 4.625%
HK$15,668
+HK$898/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,540/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,461
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,876
−HK$421/mo
Today · 4.125%
HK$16,297
baseline
▲ 0.50% · 4.625%
HK$17,156
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,594/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,869
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,425
−HK$564/mo
Today · 4.125%
HK$18,989
baseline
▲ 0.50% · 4.625%
HK$20,145
+HK$1,156/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,978/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,879
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,412
−HK$541/mo
Today · 4.125%
HK$20,953
baseline
▲ 0.50% · 4.625%
HK$22,057
+HK$1,104/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,906/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,304 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).